I'm absolutely green when it comes to this stuff, but I'm ready to begin retirement planning.

Profile: I am 27 and self-employed. I am married and my husband is the main earner in our family, so my income is just supplemental, at about $20,000 a year. I am interested in beginning to put a little away each year in a long-term retirement plan, that I wont access until I am truly old :)

It just seems smart to begin doing this now, and let my small investments grow very slowly over many, many years. I need to know whether I should open an IRA (and which kind), a 401k, a Keogh, or what? Any direction at all would be greatly appreciated.

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